Jan. 12–Some San Joaquin County commuters could pay more for auto insurance under a plan introduced by the state’s insurance commissioner. Insurance Commissioner John Garamendi wants to change how auto insurance rates are calculated, putting more emphasis on mileage, driving records and experience rather than where motorists live. Currently, a person who lives in a congested, high-crime area such as Oakland often pays higher insurance rates than someone who lives in Tracy, even if the Oakland resident has a better driving record…..
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